Average car insurance rates by age


car

With age comes wisdom, and lower car insurance rates, up to a point. This bears out when you look at average car insurance rates by age.

Car insurance for people under 25 years of age is typically quite high. Teens and young drivers are inexperienced behind the wheel and statistics show they, as a class in whole, are more likely to be in accident than other age groups, which makes them a high risk to auto insurance providers. High risk equals high rates.

As you’ll see in the “Average car insurance rates by age” table below, in general, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase again a bit at age 70. CarInsurance.com analyzed rates for 10 ZIP codes in each state for by age for three coverage levels. Here you see average car insurance rates by age for the following coverage sets:

  • State minimum — what you need to drive a car legally in your state
  • Liability car insurance — $50,000 limit to cover bodily injury you cause to others in an accident, up to $100,000 per accident, with $50,000 to pay for damage you cause to another car or property
  • Full coverage —  liability with a $100,000 limit to cover bodily injury you cause to others in an accident, up to $300,000 per accident, with $100,000 to pay for damage you cause to another car or property, plus comprehensive and collision insurance, with a $500 deductible.

Average car insurance rates by age chart

Age State Minimum 50/100/50 100/300/100
16 $2,661 $3,036 $7,279
17 $2,208 $2,520 $6,119
18 $1,910 $2,172 $5,399
19 $1,346 $1,525 $3,873
20 $1,175 $1,329 $3,454
21 $916 $1,035 $2,737
22 $836 $942 $2,503
23 $772 $868 $2,321
24 $724 $813 $2,179
25 $657 $737 $1,957
30 $599 $670 $1,763
35 $594 $664 $1,739
40 $593 $663 $1,720
45 $569 $636 $1,638
50 $552 $617 $1,569
55 $536 $598 $1,519
60 $535 $598 $1,507
65 $555 $622 $1,547
70 $594 $665 $1,626
75 $674 $758 $1,808

Average car insurance rates by age and gender for the early 20s

When you hit your 20s, your rates start to drop, but you’ll still pay more than most drivers until you reach age 26. Below you’ll find average car insurance cost by age for several common coverage sets for the time when your teen years are in the rear-view mirror but much cheaper rates are still a bit further down the road.

How much is car insurance for a 20-year-old male and female?

Age 20 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $1,114 $1,236
Liability Only – 50/100/50 BI/PD $1,258 $1,399
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $3,198 $3,710

How much is car insurance for a 21-year-old male and female?

Age 21 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $878 $955
Liability Only – 50/100/50 BI/PD $990 $1,080
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $2,556 $2,919

How much is car insurance for a 22-year-old male and female?

Age 22 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $809 $863
Liability Only – 50/100/50 BI/PD $811 $972
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $2,364 $2,642

How much is car insurance for a 23-year-old male and female?

Age 23 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $750 $794
Liability Only – 50/100/50 BI/PD $843 $894
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $2,207 $2,436

How much is car insurance for a 24-year-old male and female?

Age 24 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $709 $739
Liability Only – 50/100/50 BI/PD $795 $830
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $2,085 $2,273

How much is car insurance for a 25-year-old male and female?

Age 25 Average Rate Female Average Rate Male
Liability Only – State Minimum BI/PD $658 $656
Liability Only – 50/100/50 BI/PD $738 $737
Full Coverage – 100/300/100 BI/PD – 500 Comp/Collision $1,924 $1,989

Teen car insurance

To see more details on average car insurance rates for teens, see the following articles, featuring rates by age, state and gender:

Car Insurance for a 16 Year Old

Car Insurance for a 17 Year Old

Car Insurance for an 18 Year Old

Car Insurance for a 19 Year Old

Average car insurance rates by age and state

Refer to the chart below to see average car insurance costs by age and state for full coverage. Enter your state in the search box to see what you can expect to pay.

State Age Average Annual Rate
Alaska 16 $5,274
Alaska 17 $4,676
Alaska 18 $4,180
Alaska 19 $3,416
Alaska 20 $3,110
Alaska 21 $2,584
Alaska 22 $2,344
Alaska 23 $2,134
Alaska 24 $2,013
Alaska 25 $1,824
Alaska 30 $1,533
Alaska 35 $1,494
Alaska 40 $1,466
Alaska 45 $1,401
Alaska 50 $1,320
Alaska 55 $1,279
Alaska 60 $1,275
Alaska 65 $1,378
Alaska 70 $1,466
Alaska 75 $1,625
Alabama 16 $7,945
Alabama 17 $6,776
Alabama 18 $5,975
Alabama 19 $3,872
Alabama 20 $3,511
Alabama 21 $2,571
Alabama 22 $2,361
Alabama 23 $2,192
Alabama 24 $2,052
Alabama 25 $1,898
Alabama 30 $1,724
Alabama 35 $1,697
Alabama 40 $1,684
Alabama 45 $1,595
Alabama 50 $1,534
Alabama 55 $1,469
Alabama 60 $1,439
Alabama 65 $1,468
Alabama 70 $1,543
Alabama 75 $1,734
Arkansas 16 $8,208
Arkansas 17 $7,583
Arkansas 18 $6,579
Arkansas 19 $4,073
Arkansas 20 $3,616
Arkansas 21 $2,645
Arkansas 22 $2,437
Arkansas 23 $2,249
Arkansas 24 $2,095
Arkansas 25 $1,872
Arkansas 30 $1,744
Arkansas 35 $1,711
Arkansas 40 $1,688
Arkansas 45 $1,614
Arkansas 50 $1,550
Arkansas 55 $1,513
Arkansas 60 $1,516
Arkansas 65 $1,580
Arkansas 70 $1,674
Arkansas 75 $1,915
Arizona 16 $8,178
Arizona 17 $7,103
Arizona 18 $6,403
Arizona 19 $4,110
Arizona 20 $3,722
Arizona 21 $2,683
Arizona 22 $2,479
Arizona 23 $2,294
Arizona 24 $2,161
Arizona 25 $1,989
Arizona 30 $1,791
Arizona 35 $1,777
Arizona 40 $1,774
Arizona 45 $1,718
Arizona 50 $1,659
Arizona 55 $1,590
Arizona 60 $1,577
Arizona 65 $1,652
Arizona 70 $1,725
Arizona 75 $1,951
California 16 $7,217
California 17 $6,750
California 18 $6,252
California 19 $4,605
California 20 $4,393
California 21 $3,661
California 22 $3,200
California 23 $3,005
California 24 $2,864
California 25 $2,511
California 30 $2,135
California 35 $2,032
California 40 $2,018
California 45 $1,844
California 50 $1,764
California 55 $1,678
California 60 $1,655
California 65 $1,640
California 70 $1,781
California 75 $1,925
Colorado 16 $9,182
Colorado 17 $7,627
Colorado 18 $6,836
Colorado 19 $4,259
Colorado 20 $3,740
Colorado 21 $2,819
Colorado 22 $2,604
Colorado 23 $2,439
Colorado 24 $2,313
Colorado 25 $2,158
Colorado 30 $1,973
Colorado 35 $1,944
Colorado 40 $1,952
Colorado 45 $1,926
Colorado 50 $1,848
Colorado 55 $1,765
Colorado 60 $1,737
Colorado 65 $1,764
Colorado 70 $1,816
Colorado 75 $1,960
Connecticut 16 $11,566
Connecticut 17 $9,072
Connecticut 18 $7,601
Connecticut 19 $5,197
Connecticut 20 $4,413
Connecticut 21 $3,333
Connecticut 22 $2,935
Connecticut 23 $2,649
Connecticut 24 $2,438
Connecticut 25 $2,179
Connecticut 30 $2,010
Connecticut 35 $1,996
Connecticut 40 $1,894
Connecticut 45 $1,815
Connecticut 50 $1,746
Connecticut 55 $1,702
Connecticut 60 $1,698
Connecticut 65 $1,746
Connecticut 70 $1,861
Connecticut 75 $2,158
DC 16 $9,428
DC 17 $7,862
DC 18 $7,077
DC 19 $4,681
DC 20 $4,139
DC 21 $3,464
DC 22 $3,178
DC 23 $2,913
DC 24 $2,635
DC 25 $2,433
DC 30 $2,187
DC 35 $2,166
DC 40 $2,138
DC 45 $2,031
DC 50 $1,967
DC 55 $1,910
DC 60 $1,923
DC 65 $1,986
DC 70 $2,082
DC 75 $2,337
Delaware 16 $11,660
Delaware 17 $9,168
Delaware 18 $7,583
Delaware 19 $5,062
Delaware 20 $4,489
Delaware 21 $3,132
Delaware 22 $2,829
Delaware 23 $2,582
Delaware 24 $2,371
Delaware 25 $2,136
Delaware 30 $1,959
Delaware 35 $1,953
Delaware 40 $1,940
Delaware 45 $1,916
Delaware 50 $1,816
Delaware 55 $1,758
Delaware 60 $1,736
Delaware 65 $1,798
Delaware 70 $1,888
Delaware 75 $2,145
Florida 16 $7,982
Florida 17 $7,632
Florida 18 $6,459
Florida 19 $4,485
Florida 20 $4,001
Florida 21 $3,342
Florida 22 $3,030
Florida 23 $2,797
Florida 24 $2,619
Florida 25 $2,399
Florida 30 $2,178
Florida 35 $2,170
Florida 40 $2,150
Florida 45 $2,053
Florida 50 $1,951
Florida 55 $1,887
Florida 60 $1,868
Florida 65 $1,917
Florida 70 $1,991
Florida 75 $2,243
Georgia 16 $8,130
Georgia 17 $6,953
Georgia 18 $5,779
Georgia 19 $4,110
Georgia 20 $3,639
Georgia 21 $3,042
Georgia 22 $2,786
Georgia 23 $2,566
Georgia 24 $2,384
Georgia 25 $2,145
Georgia 30 $1,873
Georgia 35 $1,937
Georgia 40 $1,911
Georgia 45 $1,723
Georgia 50 $1,645
Georgia 55 $1,616
Georgia 60 $1,606
Georgia 65 $1,662
Georgia 70 $1,760
Georgia 75 $2,014
Hawaii 16 $1,900
Hawaii 17 $1,751
Hawaii 18 $1,722
Hawaii 19 $1,613
Hawaii 20 $1,600
Hawaii 21 $1,589
Hawaii 22 $1,589
Hawaii 23 $1,589
Hawaii 24 $1,589
Hawaii 25 $1,589
Hawaii 30 $1,589
Hawaii 35 $1,589
Hawaii 40 $1,589
Hawaii 45 $1,589
Hawaii 50 $1,589
Hawaii 55 $1,589
Hawaii 60 $1,589
Hawaii 65 $1,589
Hawaii 70 $1,589
Hawaii 75 $1,589
Iowa 16 $5,889
Iowa 17 $4,348
Iowa 18 $3,831
Iowa 19 $2,865
Iowa 20 $2,546
Iowa 21 $1,965
Iowa 22 $1,805
Iowa 23 $1,682
Iowa 24 $1,575
Iowa 25 $1,502
Iowa 30 $1,360
Iowa 35 $1,330
Iowa 40 $1,302
Iowa 45 $1,252
Iowa 50 $1,193
Iowa 55 $1,137
Iowa 60 $1,114
Iowa 65 $1,133
Iowa 70 $1,187
Iowa 75 $1,308
Idaho 16 $6,366
Idaho 17 $5,489
Idaho 18 $4,979
Idaho 19 $2,974
Idaho 20 $2,663
Idaho 21 $2,038
Idaho 22 $1,897
Idaho 23 $1,713
Idaho 24 $1,609
Idaho 25 $1,475
Idaho 30 $1,269
Idaho 35 $1,247
Idaho 40 $1,234
Idaho 45 $1,167
Idaho 50 $1,118
Idaho 55 $1,075
Idaho 60 $1,057
Idaho 65 $1,122
Idaho 70 $1,171
Idaho 75 $1,386
Illinois 16 $6,607
Illinois 17 $5,792
Illinois 18 $5,096
Illinois 19 $3,637
Illinois 20 $3,244
Illinois 21 $2,351
Illinois 22 $2,176
Illinois 23 $2,022
Illinois 24 $1,922
Illinois 25 $1,684
Illinois 30 $1,531
Illinois 35 $1,497
Illinois 40 $1,461
Illinois 45 $1,351
Illinois 50 $1,315
Illinois 55 $1,278
Illinois 60 $1,269
Illinois 65 $1,303
Illinois 70 $1,360
Illinois 75 $1,521
Indiana 16 $6,103
Indiana 17 $5,116
Indiana 18 $4,405
Indiana 19 $3,022
Indiana 20 $2,659
Indiana 21 $2,057
Indiana 22 $1,880
Indiana 23 $1,725
Indiana 24 $1,604
Indiana 25 $1,381
Indiana 30 $1,270
Indiana 35 $1,244
Indiana 40 $1,231
Indiana 45 $1,185
Indiana 50 $1,130
Indiana 55 $1,077
Indiana 60 $1,067
Indiana 65 $1,074
Indiana 70 $1,142
Indiana 75 $1,281
Kansas 16 $6,736
Kansas 17 $5,858
Kansas 18 $5,156
Kansas 19 $3,563
Kansas 20 $3,198
Kansas 21 $2,454
Kansas 22 $2,273
Kansas 23 $2,097
Kansas 24 $1,972
Kansas 25 $1,874
Kansas 30 $1,669
Kansas 35 $1,640
Kansas 40 $1,615
Kansas 45 $1,555
Kansas 50 $1,490
Kansas 55 $1,431
Kansas 60 $1,400
Kansas 65 $1,438
Kansas 70 $1,466
Kansas 75 $1,671
Kentucky 16 $10,367
Kentucky 17 $8,756
Kentucky 18 $7,399
Kentucky 19 $5,343
Kentucky 20 $4,786
Kentucky 21 $3,750
Kentucky 22 $3,506
Kentucky 23 $3,217
Kentucky 24 $2,996
Kentucky 25 $2,663
Kentucky 30 $2,385
Kentucky 35 $2,372
Kentucky 40 $2,356
Kentucky 45 $2,252
Kentucky 50 $2,129
Kentucky 55 $2,082
Kentucky 60 $2,065
Kentucky 65 $2,141
Kentucky 70 $2,251
Kentucky 75 $2,555
Louisiana 16 $10,578
Louisiana 17 $8,774
Louisiana 18 $7,797
Louisiana 19 $5,545
Louisiana 20 $4,996
Louisiana 21 $4,234
Louisiana 22 $3,775
Louisiana 23 $3,461
Louisiana 24 $3,338
Louisiana 25 $2,854
Louisiana 30 $2,608
Louisiana 35 $2,593
Louisiana 40 $2,565
Louisiana 45 $2,436
Louisiana 50 $2,290
Louisiana 55 $2,258
Louisiana 60 $2,317
Louisiana 65 $2,430
Louisiana 70 $2,412
Louisiana 75 $2,402
Massachusetts 16 $5,746
Massachusetts 17 $5,430
Massachusetts 18 $5,207
Massachusetts 19 $3,733
Massachusetts 20 $3,454
Massachusetts 21 $2,941
Massachusetts 22 $1,810
Massachusetts 23 $1,682
Massachusetts 24 $1,627
Massachusetts 25 $1,541
Massachusetts 30 $1,466
Massachusetts 35 $1,424
Massachusetts 40 $1,413
Massachusetts 45 $1,404
Massachusetts 50 $1,379
Massachusetts 55 $1,362
Massachusetts 60 $1,364
Massachusetts 65 $1,045
Massachusetts 70 $1,104
Massachusetts 75 $1,163
Maryland 16 $7,693
Maryland 17 $6,472
Maryland 18 $5,601
Maryland 19 $4,493
Maryland 20 $3,941
Maryland 21 $3,062
Maryland 22 $2,792
Maryland 23 $2,547
Maryland 24 $2,225
Maryland 25 $2,019
Maryland 30 $1,842
Maryland 35 $1,814
Maryland 40 $1,777
Maryland 45 $1,775
Maryland 50 $1,697
Maryland 55 $1,651
Maryland 60 $1,703
Maryland 65 $1,856
Maryland 70 $1,949
Maryland 75 $1,949
Maine 16 $4,004
Maine 17 $3,754
Maine 18 $3,344
Maine 19 $2,603
Maine 20 $2,340
Maine 21 $1,787
Maine 22 $1,640
Maine 23 $1,503
Maine 24 $1,393
Maine 25 $1,228
Maine 30 $1,062
Maine 35 $1,041
Maine 40 $1,032
Maine 45 $972
Maine 50 $956
Maine 55 $946
Maine 60 $942
Maine 65 $936
Maine 70 $940
Maine 75 $933
Michigan 16 $17,825
Michigan 17 $12,527
Michigan 18 $11,281
Michigan 19 $8,442
Michigan 20 $6,719
Michigan 21 $4,994
Michigan 22 $4,694
Michigan 23 $4,387
Michigan 24 $4,090
Michigan 25 $3,743
Michigan 30 $3,466
Michigan 35 $3,452
Michigan 40 $3,489
Michigan 45 $3,384
Michigan 50 $3,268
Michigan 55 $3,136
Michigan 60 $3,079
Michigan 65 $3,166
Michigan 70 $3,468
Michigan 75 $3,910
Minnesota 16 $6,961
Minnesota 17 $5,406
Minnesota 18 $5,121
Minnesota 19 $3,452
Minnesota 20 $3,117
Minnesota 21 $2,475
Minnesota 22 $2,316
Minnesota 23 $2,155
Minnesota 24 $2,045
Minnesota 25 $1,796
Minnesota 30 $1,620
Minnesota 35 $1,615
Minnesota 40 $1,587
Minnesota 45 $1,452
Minnesota 50 $1,351
Minnesota 55 $1,329
Minnesota 60 $1,332
Minnesota 65 $1,402
Minnesota 70 $1,448
Minnesota 75 $1,637
Missouri 16 $8,189
Missouri 17 $6,504
Missouri 18 $5,808
Missouri 19 $3,946
Missouri 20 $3,506
Missouri 21 $2,739
Missouri 22 $2,442
Missouri 23 $2,265
Missouri 24 $2,162
Missouri 25 $1,987
Missouri 30 $1,805
Missouri 35 $1,780
Missouri 40 $1,750
Missouri 45 $1,673
Missouri 50 $1,589
Missouri 55 $1,527
Missouri 60 $1,488
Missouri 65 $1,513
Missouri 70 $1,568
Missouri 75 $1,726
Mississippi 16 $6,614
Mississippi 17 $6,093
Mississippi 18 $5,216
Mississippi 19 $3,650
Mississippi 20 $3,259
Mississippi 21 $2,638
Mississippi 22 $2,445
Mississippi 23 $2,233
Mississippi 24 $2,083
Mississippi 25 $2,020
Mississippi 30 $1,681
Mississippi 35 $1,655
Mississippi 40 $1,624
Mississippi 45 $1,511
Mississippi 50 $1,428
Mississippi 55 $1,397
Mississippi 60 $1,375
Mississippi 65 $1,411
Mississippi 70 $1,474
Mississippi 75 $1,726
Montana 16 $8,142
Montana 17 $6,733
Montana 18 $5,876
Montana 19 $4,423
Montana 20 $4,056
Montana 21 $3,193
Montana 22 $2,933
Montana 23 $2,627
Montana 24 $2,412
Montana 25 $2,134
Montana 30 $1,963
Montana 35 $1,939
Montana 40 $1,933
Montana 45 $1,919
Montana 50 $1,836
Montana 55 $1,768
Montana 60 $1,736
Montana 65 $1,825
Montana 70 $1,893
Montana 75 $2,250
North Carolina 16 $3,890
North Carolina 17 $3,461
North Carolina 18 $3,093
North Carolina 19 $1,996
North Carolina 20 $1,942
North Carolina 21 $1,715
North Carolina 22 $1,690
North Carolina 23 $1,660
North Carolina 24 $1,666
North Carolina 25 $1,586
North Carolina 30 $1,425
North Carolina 35 $1,420
North Carolina 40 $1,400
North Carolina 45 $1,391
North Carolina 50 $1,366
North Carolina 55 $1,285
North Carolina 60 $1,288
North Carolina 65 $1,319
North Carolina 70 $1,387
North Carolina 75 $1,438
North Dakota 16 $8,313
North Dakota 17 $6,205
North Dakota 18 $5,521
North Dakota 19 $3,469
North Dakota 20 $3,107
North Dakota 21 $2,405
North Dakota 22 $2,206
North Dakota 23 $2,030
North Dakota 24 $1,906
North Dakota 25 $1,756
North Dakota 30 $1,565
North Dakota 35 $1,546
North Dakota 40 $1,520
North Dakota 45 $1,410
North Dakota 50 $1,338
North Dakota 55 $1,286
North Dakota 60 $1,231
North Dakota 65 $1,253
North Dakota 70 $1,294
North Dakota 75 $1,421
Nebraska 16 $6,394
Nebraska 17 $5,789
Nebraska 18 $4,867
Nebraska 19 $3,224
Nebraska 20 $2,882
Nebraska 21 $2,156
Nebraska 22 $2,004
Nebraska 23 $1,847
Nebraska 24 $1,741
Nebraska 25 $1,671
Nebraska 30 $1,493
Nebraska 35 $1,474
Nebraska 40 $1,455
Nebraska 45 $1,391
Nebraska 50 $1,332
Nebraska 55 $1,284
Nebraska 60 $1,260
Nebraska 65 $1,280
Nebraska 70 $1,399
Nebraska 75 $1,552
New Hampshire 16 $4,107
New Hampshire 17 $3,679
New Hampshire 18 $3,176
New Hampshire 19 $2,390
New Hampshire 20 $2,118
New Hampshire 21 $1,763
New Hampshire 22 $1,650
New Hampshire 23 $1,540
New Hampshire 24 $1,458
New Hampshire 25 $1,214
New Hampshire 30 $1,070
New Hampshire 35 $1,054
New Hampshire 40 $1,034
New Hampshire 45 $963
New Hampshire 50 $925
New Hampshire 55 $907
New Hampshire 60 $945
New Hampshire 65 $987
New Hampshire 70 $1,044
New Hampshire 75 $1,161
New Jersey 16 $7,245
New Jersey 17 $6,203
New Jersey 18 $5,523
New Jersey 19 $4,027
New Jersey 20 $3,633
New Jersey 21 $3,014
New Jersey 22 $2,837
New Jersey 23 $2,616
New Jersey 24 $2,504
New Jersey 25 $2,231
New Jersey 30 $2,001
New Jersey 35 $1,948
New Jersey 40 $1,942
New Jersey 45 $1,854
New Jersey 50 $1,797
New Jersey 55 $1,745
New Jersey 60 $1,724
New Jersey 65 $1,751
New Jersey 70 $1,756
New Jersey 75 $1,929
New Mexico 16 $7,731
New Mexico 17 $6,280
New Mexico 18 $5,630
New Mexico 19 $3,790
New Mexico 20 $3,346
New Mexico 21 $2,527
New Mexico 22 $2,336
New Mexico 23 $2,141
New Mexico 24 $1,996
New Mexico 25 $1,775
New Mexico 30 $1,605
New Mexico 35 $1,592
New Mexico 40 $1,583
New Mexico 45 $1,527
New Mexico 50 $1,465
New Mexico 55 $1,410
New Mexico 60 $1,382
New Mexico 65 $1,436
New Mexico 70 $1,516
New Mexico 75 $1,742
Nevada 16 $12,282
Nevada 17 $9,726
Nevada 18 $8,535
Nevada 19 $5,783
Nevada 20 $5,003
Nevada 21 $3,849
Nevada 22 $3,535
Nevada 23 $3,234
Nevada 24 $2,994
Nevada 25 $2,729
Nevada 30 $2,486
Nevada 35 $2,492
Nevada 40 $2,446
Nevada 45 $2,370
Nevada 50 $2,254
Nevada 55 $2,177
Nevada 60 $2,144
Nevada 65 $2,180
Nevada 70 $2,308
Nevada 75 $2,640
New York 16 $6,909
New York 17 $5,746
New York 18 $4,825
New York 19 $3,835
New York 20 $3,414
New York 21 $3,040
New York 22 $2,844
New York 23 $2,671
New York 24 $2,529
New York 25 $2,284
New York 30 $2,081
New York 35 $2,081
New York 40 $2,066
New York 45 $2,015
New York 50 $1,936
New York 55 $1,901
New York 60 $1,871
New York 65 $1,930
New York 70 $2,023
New York 75 $2,261
Ohio 16 $5,750
Ohio 17 $5,038
Ohio 18 $4,452
Ohio 19 $2,864
Ohio 20 $2,566
Ohio 21 $1,917
Ohio 22 $1,749
Ohio 23 $1,628
Ohio 24 $1,527
Ohio 25 $1,329
Ohio 30 $1,197
Ohio 35 $1,174
Ohio 40 $1,160
Ohio 45 $1,126
Ohio 50 $1,070
Ohio 55 $1,024
Ohio 60 $1,012
Ohio 65 $1,044
Ohio 70 $1,095
Ohio 75 $1,228
Oklahoma 16 $7,767
Oklahoma 17 $6,610
Oklahoma 18 $5,859
Oklahoma 19 $3,867
Oklahoma 20 $3,408
Oklahoma 21 $2,712
Oklahoma 22 $2,489
Oklahoma 23 $2,303
Oklahoma 24 $2,147
Oklahoma 25 $2,012
Oklahoma 30 $1,822
Oklahoma 35 $1,805
Oklahoma 40 $1,796
Oklahoma 45 $1,756
Oklahoma 50 $1,667
Oklahoma 55 $1,606
Oklahoma 60 $1,586
Oklahoma 65 $1,591
Oklahoma 70 $1,628
Oklahoma 75 $1,761
Oregon 16 $7,345
Oregon 17 $6,162
Oregon 18 $5,647
Oregon 19 $3,525
Oregon 20 $3,169
Oregon 21 $2,352
Oregon 22 $2,154
Oregon 23 $1,982
Oregon 24 $1,838
Oregon 25 $1,687
Oregon 30 $1,548
Oregon 35 $1,529
Oregon 40 $1,520
Oregon 45 $1,473
Oregon 50 $1,415
Oregon 55 $1,361
Oregon 60 $1,345
Oregon 65 $1,356
Oregon 70 $1,415
Oregon 75 $1,589
Pennsylvania 16 $5,471
Pennsylvania 17 $5,078
Pennsylvania 18 $4,464
Pennsylvania 19 $3,663
Pennsylvania 20 $3,244
Pennsylvania 21 $2,747
Pennsylvania 22 $2,505
Pennsylvania 23 $2,317
Pennsylvania 24 $2,103
Pennsylvania 25 $1,846
Pennsylvania 30 $1,700
Pennsylvania 35 $1,670
Pennsylvania 40 $1,630
Pennsylvania 45 $1,551
Pennsylvania 50 $1,491
Pennsylvania 55 $1,449
Pennsylvania 60 $1,443
Pennsylvania 65 $1,471
Pennsylvania 70 $1,569
Pennsylvania 75 $1,763
Rhode Island 16 $10,400
Rhode Island 17 $7,827
Rhode Island 18 $6,837
Rhode Island 19 $4,659
Rhode Island 20 $4,115
Rhode Island 21 $3,390
Rhode Island 22 $3,113
Rhode Island 23 $2,818
Rhode Island 24 $2,591
Rhode Island 25 $2,241
Rhode Island 30 $2,092
Rhode Island 35 $2,038
Rhode Island 40 $2,006
Rhode Island 45 $1,992
Rhode Island 50 $1,929
Rhode Island 55 $1,866
Rhode Island 60 $1,987
Rhode Island 65 $2,396
Rhode Island 70 $2,423
Rhode Island 75 $2,467
South Carolina 16 $6,441
South Carolina 17 $5,191
South Carolina 18 $4,598
South Carolina 19 $3,468
South Carolina 20 $3,112
South Carolina 21 $2,515
South Carolina 22 $2,339
South Carolina 23 $2,167
South Carolina 24 $2,017
South Carolina 25 $1,808
South Carolina 30 $1,620
South Carolina 35 $1,600
South Carolina 40 $1,555
South Carolina 45 $1,471
South Carolina 50 $1,402
South Carolina 55 $1,361
South Carolina 60 $1,358
South Carolina 65 $1,427
South Carolina 70 $1,495
South Carolina 75 $1,722
South Dakota 16 $8,113
South Dakota 17 $6,457
South Dakota 18 $5,688
South Dakota 19 $3,475
South Dakota 20 $3,135
South Dakota 21 $2,429
South Dakota 22 $2,260
South Dakota 23 $2,091
South Dakota 24 $1,978
South Dakota 25 $1,781
South Dakota 30 $1,614
South Dakota 35 $1,585
South Dakota 40 $1,547
South Dakota 45 $1,428
South Dakota 50 $1,348
South Dakota 55 $1,308
South Dakota 60 $1,293
South Dakota 65 $1,334
South Dakota 70 $1,360
South Dakota 75 $1,517
Tennessee 16 $9,098
Tennessee 17 $7,049
Tennessee 18 $5,842
Tennessee 19 $3,641
Tennessee 20 $3,132
Tennessee 21 $2,399
Tennessee 22 $2,169
Tennessee 23 $1,985
Tennessee 24 $1,837
Tennessee 25 $1,689
Tennessee 30 $1,477
Tennessee 35 $1,467
Tennessee 40 $1,441
Tennessee 45 $1,335
Tennessee 50 $1,258
Tennessee 55 $1,236
Tennessee 60 $1,222
Tennessee 65 $1,318
Tennessee 70 $1,462
Tennessee 75 $1,762
Texas 16 $5,548
Texas 17 $4,606
Texas 18 $4,349
Texas 19 $3,913
Texas 20 $3,566
Texas 21 $2,809
Texas 22 $2,635
Texas 23 $2,486
Texas 24 $2,388
Texas 25 $2,029
Texas 30 $1,823
Texas 35 $1,791
Texas 40 $1,783
Texas 45 $1,693
Texas 50 $1,629
Texas 55 $1,588
Texas 60 $1,581
Texas 65 $1,669
Texas 70 $1,745
Texas 75 $1,915
Utah 16 $7,882
Utah 17 $6,584
Utah 18 $5,733
Utah 19 $3,711
Utah 20 $3,184
Utah 21 $2,286
Utah 22 $2,089
Utah 23 $1,928
Utah 24 $1,792
Utah 25 $1,671
Utah 30 $1,515
Utah 35 $1,501
Utah 40 $1,487
Utah 45 $1,428
Utah 50 $1,382
Utah 55 $1,321
Utah 60 $1,306
Utah 65 $1,338
Utah 70 $1,395
Utah 75 $1,591
Virginia 16 $4,661
Virginia 17 $3,924
Virginia 18 $3,450
Virginia 19 $2,771
Virginia 20 $2,491
Virginia 21 $1,924
Virginia 22 $1,805
Virginia 23 $1,668
Virginia 24 $1,508
Virginia 25 $1,320
Virginia 30 $1,194
Virginia 35 $1,172
Virginia 40 $1,148
Virginia 45 $1,035
Virginia 50 $1,010
Virginia 55 $983
Virginia 60 $991
Virginia 65 $1,058
Virginia 70 $1,127
Virginia 75 $1,270
Vermont 16 $4,653
Vermont 17 $4,048
Vermont 18 $3,712
Vermont 19 $3,224
Vermont 20 $2,889
Vermont 21 $2,155
Vermont 22 $2,017
Vermont 23 $1,862
Vermont 24 $1,775
Vermont 25 $1,543
Vermont 30 $1,374
Vermont 35 $1,355
Vermont 40 $1,328
Vermont 45 $1,262
Vermont 50 $1,204
Vermont 55 $1,178
Vermont 60 $1,178
Vermont 65 $1,237
Vermont 70 $1,302
Vermont 75 $1,488
Washington 16 $6,526
Washington 17 $6,003
Washington 18 $5,249
Washington 19 $3,395
Washington 20 $3,054
Washington 21 $2,507
Washington 22 $2,325
Washington 23 $2,129
Washington 24 $1,988
Washington 25 $1,871
Washington 30 $1,640
Washington 35 $1,593
Washington 40 $1,610
Washington 45 $1,489
Washington 50 $1,438
Washington 55 $1,380
Washington 60 $1,390
Washington 65 $1,441
Washington 70 $1,515
Washington 75 $1,661
Wisconsin 16 $7,801
Wisconsin 17 $5,607
Wisconsin 18 $4,864
Wisconsin 19 $3,014
Wisconsin 20 $2,617
Wisconsin 21 $2,086
Wisconsin 22 $1,916
Wisconsin 23 $1,770
Wisconsin 24 $1,656
Wisconsin 25 $1,448
Wisconsin 30 $1,320
Wisconsin 35 $1,299
Wisconsin 40 $1,275
Wisconsin 45 $1,234
Wisconsin 50 $1,174
Wisconsin 55 $1,126
Wisconsin 60 $1,119
Wisconsin 65 $1,140
Wisconsin 70 $1,188
Wisconsin 75 $1,325
West Virginia 16 $7,021
West Virginia 17 $6,098
West Virginia 18 $5,274
West Virginia 19 $4,099
West Virginia 20 $3,721
West Virginia 21 $2,684
West Virginia 22 $2,481
West Virginia 23 $2,271
West Virginia 24 $2,036
West Virginia 25 $1,805
West Virginia 30 $1,653
West Virginia 35 $1,629
West Virginia 40 $1,600
West Virginia 45 $1,516
West Virginia 50 $1,449
West Virginia 55 $1,417
West Virginia 60 $1,410
West Virginia 65 $1,462
West Virginia 70 $1,525
West Virginia 75 $1,747
Wyoming 16 $6,608
Wyoming 17 $5,304
Wyoming 18 $4,661
Wyoming 19 $3,658
Wyoming 20 $3,307
Wyoming 21 $2,921
Wyoming 22 $2,650
Wyoming 23 $2,482
Wyoming 24 $2,378
Wyoming 25 $1,904
Wyoming 30 $1,721
Wyoming 35 $1,702
Wyoming 40 $1,689
Wyoming 45 $1,597
Wyoming 50 $1,529
Wyoming 55 $1,458
Wyoming 60 $1,440
Wyoming 65 $1,489
Wyoming 70 $1,567
Wyoming 75 $1,780

Age and other factors that affect average car insurance cost

Age is just one factor that car insurance companies assess when deciding how much you pay. Other factors that affect car insurance rates include:

  • where you live
  • what model car you drive
  • marital status
  • your driving record
  • your credit history
  • your annual mileage

Each of these rating factors, among others, along with type of coverage you choose and with what limits, influences the rate you’ll pay for your car insurance policy. To get an idea of how much you can expect to pay, you can start with can estimate car insurance costs by using the average rate tool at the bottom of the page. It shows rates for six age groups and three coverage levels by ZIP code.

And don’t forget that what car insurance company you choose makes a difference in the car insurance rates you’ll be offered. That’s because insurance companies assess risk differently, and each use their own formulas to calculate the price you pay. So the price for a policy will vary significantly among insurance companies.

Whatever age and whether male or female, you can save hundreds, if not thousands, of dollars depending upon the insurer you chose. For this reason, it’s a must to compare car insurance companies and find the one that offers the best rates for your particular set of rating factors. Our guide to the best cheap car insurance for seniors shows how much drivers age 65, 75 and 85 can save by comparison shopping.

California Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

94404 Foster City

For  30  Year Old   Male  (Type:  Liability – Minimum )

Average Monthly Premium

$46

highest rateHighest Rate $56/mo. lowest rateLowest Rate $26/mo. Compare personalized quotes from up to 20 companies in California now MOST & LEAST EXPENSIVE ZIP CODES in California

MOST EXPENSIVE PER MONTH
91205 – Glendale: $91
90038 – Los Angeles: $91
90212 – Beverly Hills: $91
91203 – Glendale: $90
LEAST EXPENSIVE PER MONTH
96107 – Coleville: $33
93513 – Big Pine: $34
96093 – Weaverville: $34
96027 – Etna: $34

Methodology

How we researched it?

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

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